Thanks to the strong performance of your credit union this year, we’ve returned well over $1,000,000 to members and communities through patronage, dividends, and community investments. For a relatively small credit union, that’s a very big milestone – and a clear sign that when you bank like you live here, the benefits stay close to home.

Behind that number are the stories we see every day: members settling into new homes, families getting breathing room by restructuring debt, and people facing layoffs or reduced hours who were met with support and flexibility instead of pressure. It’s a reminder that “Sharing Success” isn’t just something we say – it’s something that we truly do as a local financial cooperative.

This level of sharing is possible because of very strong performance, and while that’s good news – largely driven by the success of our 2023 merger – we know the path here hasn’t been simple. Moving through a very technical systems integration, a prolonged labour dispute, unprecedented interest rate swings and economic uncertainty has made the past few years trying for many people in many ways. At the same time, where we are today shows the resilience of our credit union, our staff, our members, and our communities. From the beginning, we set out to build a strong, durable, and resilient local credit union that could withstand modern pressures for years to come, and we’re increasingly confident that is exactly what we’ve done.

So through it all, the true thanks goes to you – the member. Your choice to bank here is what makes this possible. We are very proud of what has been achieved together in 2025, and we’re heading into 2026 focused on the same goal: living our values, sharing the success it brings, and being the best possible financial partner for you and your community.